8950 Harding Ave, Surfside FL 33154, SURFSIDE, FL, 33154
Active176 days on marketListed Jan 29, 2026MLS #A11944647
About this home
8950 Harding Ave, Surfside FL 33154
I am pleased to present this lovely, spacious home located in the heart of Surfside, Florida. Perfectly situated for those who love the coastal lifestyle, this property allows you to spend your days at the beach, as it is located literally two blocks from the ocean. This well-maintained residence features a bright and open layout, including a spacious kitchen, dining room, living room, and an additional den. Originally a 3-bedroom, 2-bathroom home, the garage has been converted into a 4th bedroom. This additional room features its own separate entrance, making it an ideal space for guests or an in-law suite. Key features of the home include: - Spacious Interior: Larger than many typical Surfside homes and shows beautifully. - Recent Upgrades: Features a brand-new roof. - Prime Location: A short walk to the Bal Harbour Shops, Publix, and the Surfside Community Center. - Community Centered: Conveniently located within walking distances to houses of worship. This is truly a wonderful family home in one of South Florida’s most desirable neighborhoods. Please let me know if you would like to schedule a viewing or if you have any questions.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,917
Sqft
1972
Year built
$834
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$10,836 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,836/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−24.2%
$/sqft vs SECOND AMD PLAT OF NORMAN
$834 vs $1,391
Days on market
176 vs 41 typical
Where $834/sqft sits among the 7 homes for sale in SECOND AMD PLAT OF NORMAN
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Surfside
Get to know Surfside. See the full Surfside guide →
SURFSIDE 33154 — neighborhood snapshot
Population
14,435
Median age
40.9
Median income
$87,806
Median home value
$741,400
Avg household
2.58
Households w/ children
1,804
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Surfside market
0 of 7
SECOND AMD PLAT OF NORMAN have cut their price
This home is listed 358% above the SURFSIDE 33154 median. See the full Surfside market guide →
Paper trail
This home's history
Reality check
What actually sold near 8950 Harding Ave
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$1,300,000
8866 Dickens Ave, Surfside FL 33154 · same community
3 bd · 2 ba · 1,859 sqft · $699/sqft · 10 DOM
Sold · Oct ’25$1,750,000
424 89th St, Surfside FL 33154 · same community
3 bd · 2.5 ba · 1,780 sqft · $983/sqft · 78 DOM
Sold · Feb ’26$2,150,000
8934 Garland Ave, Surfside FL 33154 · same community
4 bd · 3 ba · 2,057 sqft · $1,045/sqft · 126 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8950 Harding Ave — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8950 Harding Ave — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
8950 Harding Ave FAQs
What would the monthly payment be for 8950 Harding Ave, Surfside FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,836/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 8950 Harding Ave, Surfside FL 33154?+
The most recent tax bill on record (2025) was $17,378. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Surfside?+
At $1,599,000, this home is listed about 147% above the Surfside median of $647,500. The market section on this page shows how the area is trending.
Which schools are assigned to 8950 Harding Ave, Surfside FL 33154?+
Ruth K. Broad Bay Harbor K-8 Center (elementary), Miami Beach Nautilus Middle School (middle), Miami Beach Senior High School (high), District Instructional Center (Dic) (), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,599,000 runs 358% above the SURFSIDE 33154 median — but at 1,917 sqft it's also 74% larger than the typical Surfside listing.
02Other views
The other view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
176 days on market against a Surfside median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Ruth K. Broad Bay Harbor K-8 Center, Miami Beach Nautilus Middle School, Miami Beach Senior High School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — Ruth K. Broad Bay Harbor K-8 Center rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,895,000, now $1,599,000 — a $296K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of London Foster Realty · Mark Weinschneider. MLS #A11944647.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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